Analisis Penggunaan Teknologi Keuangan Digital Terhadap Efisiensi Operasional UMKM Kuliner Kabupaten Karawang

This study aims to examine the effect of digital financial technology adoption on the operational efficiency of culinary micro, small, and medium enterprises (MSMEs) in Karawang Regency. Digital financial technology is considered a strategic instrument that enhances operational performance through faster transactions, improved financial management, and more efficient business processes. This study employed a quantitative approach using a survey method involving 100 culinary MSME owners. Data were collected through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings indicate that digital financial technology adoption has a positive and significant effect on operational efficiency. Fintech implementation accelerates transaction processes, reduces operational costs, and improves managerial effectiveness. These findings highlight the strategic role of digital financial technology in strengthening MSME competitiveness and sustainability. This study provides empirical evidence and practical implications for policymakers and business practitioners in promoting fintech adoption among MSMEs.